Tribal Member Health Plan Information

For the past year, the Wichita
Executive Committee, has been working toward the development of a
Tribal Member health care Plan that will provide access to quality
medical, dental, and vision care for all Tribal Members. Many
of our members have no health insurance and those of us who do have
insurance find that the high deductibles, and co-pays we are
required to pay are often the reason we delay needed
healthcare.

The Tribal Member Plan meets the specific needs of all our
Tribal Members, regardless of age or existing health
conditions. The Plan has been developed with special
consideration given for the unique needs of infants, children,
working age adults, and elders. The Plan benefits are unlike
any "standard" insurance products. It is a Native American
benefit plan developed by Native Americans for Native
Americans.

The Wichita Executive Committee has unanimously approved the
Tribal resolution authorizing the implementation of the Wichita and
Affiliated Tribes Tribal Member Health Plan.

We believe that the plan will grow to cover more and more
benefits in higher amounts in the coming years. This
plan will only be allowed to cover enrolled members of the Wichita
and Affiliated Tribes.

Hospice care and hospice supplemental coverage for end of life
final expenses

Home health nursing care to help our elders who are homebound
due to illness

Skilled nursing facility care

Prescription drug benefits for all ages including our elders
who are on Medicare

Dental benefits for all Tribal Members young and old

Vision care benefits

Each Tribal Member will receive our own personalized health
care identification card the guarantees access to medical, dental
and vision care at any provider without complicated paper work or
extended delays. The identification card works the same as
any health insurance card. Our Tribal Member Health Benefit
Plan identification card insures "access" to care when we need it,
wherever we choose to go. Networks have been set up all
over the country and even out of the country to help make our
dollars stretch and so you have minimal out of pocket expense.

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Each enrolled tribal member will be enrolled in one of the
following plans:

Plan A: This is for tribal members who have no health care
coverage at all.

In Network, $20 copay for Physician Office Visits

Emergency Room is a $100 copay

Most all other services pay 90% of the charges without a
deductible to the plan maximum for Medical Insurance

Prescriptions: Copays $0 Generic; $25 Name Brand Prescriptions
up to $500 each year per member

Plan B: This is for tribal members who already have
insurance to include Group Health Plans, Medicare, Medicaid or any
other type of health insurance coverage already
taken.

In Network, no copay for Physician Office Visits

Emergency Room $25 copay

All other services pay at 100% in network to the plan maximum
after the primary coverage has paid.

Prescriptions: Copays $0 For Prescription balances not paid by
the Primary Insurance Payment up to $500 each year per member

Prescription Drug

1. RX
is limited to $500 per Member per benefit year.

Vision Insurance

This will be paid through the VSP network with the
following:

Eye Exam every 12 months, Frames or Lenses every 24 months paid
at 100% up to $150.

Dental Insurance

Pays 100% for teeth cleaning, x-rays and twice yearly checks
ups.

Basic services such as fillings will be paid at 90%

Major services such as crowns will be paid at 80%

All services are subject to a total of $400 per member per
year

End of Life Expenses Benefit

This benefit pays the lessor of actual cost or $7,000 for the
following:

Hospice Care

End of Life Home Care

Funeral dinner expenses

Funeral Expenses

All expenses will be paid directly to the vendor providing the
services.